"Your Only Independent
Community Bank"


 20th Anniversary

Commercial Lending

Mobile Banking


 New Website Is Coming


Business Loans

Our loans are designed to help you grow your business. Decisions are made locally and quickly by bankers who live and work in Indian River County.  We take the time to understand your business. As your only independent community bank, we have an active interest in helping local businesses, like yours, succeed. Tell us your needs and we will work with you to customize the right loan program with competitive rates and terms. For a personal consultation about your business borrowing needs contact us today.

Commercial Lines of Credit

A line of credit is an excellent financial tool for business. Manage your working capital, quickly respond to changes and take advantage of new opportunities.

Commercial Real Estate Loans

Purchase or refinance your own owner-occupied facility or invest in a commercial property with a customized, commercial real estate loan.

Construction Loans

Build a new facility for your business or construct an investment property with a customized construction loan.

SBA Loans

Ideal for many small businesses, government-backed SBA loans usually require lower down payments and offer more flexible terms and conditions than conventional loans. We will help you choose the right SBA loan program for your business—and assist with all of the paperwork.

USDA Loans

Many operating businesses may qualify for loans backed by the U.S. Department of Agriculture.  These loans usually offer more flexible terms than conventional loans. 

Condominium and Homeowner Association Loans

Homeowner associations have special needs. Our loans can provide the financing your association needs for renovations and repairs.

Contact Marine Bank for your Business Loan Needs

(click photo for bio)


Bill Penney William J. Penney
President & CEO
(772) 231-8222
bpenney [at] marinebankandtrust.com
 Daniel Fourmont Daniel Fourmont
Commercial Loan Officer
(772) 316-1275
dfourmont [at] marinebankandtrust.com
Karl Williams Karl L. Williams
Vice President, Commercial Lending
Government Guaranteed Lending Manager
SBA and USDA Loans
(772) 231-8233
kwilliams [at] marinebankandtrust.com
Tori Hume Tori Hume
Small Business & Commercial Lending

thume [at] marinebankandtrust.com
General Inquiries
Toll Free:  888-231-6621
loans [at] marinebankandtrust.com

*To prevent spam, email addresses on this webpage are not formatted as links. To send an email to any of the above individuals, replace " [at] " with "@" in the address.

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The My Money Program, created by the Florida Department of Financial Services is a comprehensive and inclusive financial literacy program and resource clearinghouse for individuals with developmental disabilities, their family and caregivers. 

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